{"id":1071,"date":"2026-07-23T09:00:00","date_gmt":"2026-07-23T00:00:00","guid":{"rendered":"https:\/\/kawacoins.com\/?p=1071"},"modified":"2026-07-16T00:26:22","modified_gmt":"2026-07-15T15:26:22","slug":"mufg-vs-japan-post-bank-comparison","status":"publish","type":"post","link":"https:\/\/kawacoins.com\/?p=1071","title":{"rendered":"\u4e09\u83f1UFJ\u3068\u3086\u3046\u3061\u3087\u9280\u884c\u3001\u8cb7\u3046\u306a\u3089\u3069\u3063\u3061\uff1f"},"content":{"rendered":"<div style=\"border:1px solid #cfe0dc;background:#f1f7f5;border-radius:12px;padding:16px 18px;margin:0 0 24px\">\n<div style=\"font-size:13px;font-weight:700;color:#0f766b;margin-bottom:8px\">\u3053\u306e\u8a18\u4e8b\u306e\u8981\u70b9\uff0830\u79d2\u307e\u3068\u3081\uff09<\/div>\n<ul style=\"margin:0;padding-left:20px;font-size:14px;line-height:1.85;color:#374151\">\n<li>\u4e09\u83f1UFJ\u306f\u91d1\u5229\u4e0a\u6607\u5c40\u9762\u3067\u53ce\u76ca\u6539\u5584\u671f\u5f85\u304c\u9ad8\u304f\u3001\u9577\u671f\u914d\u5f53\u76ee\u7dda\u3067\u306e\u8a55\u4fa1\u306b\u9069\u3057\u3066\u3044\u308b<\/li>\n<li>\u3086\u3046\u3061\u3087\u9280\u884c\u306f\u50b5\u5238\u8cc7\u7523\u304c\u591a\u304f\u3001\u91d1\u5229\u4e0a\u6607\u6642\u306f\u542b\u307f\u640d\u30ea\u30b9\u30af\u304c\u3042\u308b\u69cb\u9020<\/li>\n<li>NISA\u9577\u671f\u4fdd\u6709\u3067\u306f\u4e09\u83f1UFJ\u304c\u91d1\u5229\u611f\u5fdc\u5ea6\u3067\u6709\u5229\u3001\u914d\u5f53\u5b9f\u7e3e\u3068\u6210\u9577\u6027\u3067\u512a\u4f4d<\/li>\n<\/ul>\n<\/div>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u76ee\u6b21<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 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title=\"\u9078\u3073\u65b9\u306e\u30dd\u30a4\u30f3\u30c8\">\u9078\u3073\u65b9\u306e\u30dd\u30a4\u30f3\u30c8<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kawacoins.com\/?p=1071\/#%E3%81%BE%E3%81%A8%E3%82%81\" title=\"\u307e\u3068\u3081\">\u307e\u3068\u3081<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"%E4%B8%89%E8%8F%B1UFJ%E3%81%A8%E3%82%86%E3%81%86%E3%81%A1%E3%82%87%E9%8A%80%E8%A1%8C%E3%80%81%E8%B2%B7%E3%81%86%E3%81%AA%E3%82%89%E3%81%A9%E3%81%A3%E3%81%A1%EF%BC%9F\"><\/span>\u4e09\u83f1UFJ\u3068\u3086\u3046\u3061\u3087\u9280\u884c\u3001\u8cb7\u3046\u306a\u3089\u3069\u3063\u3061\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>\u9280\u884c\u682a\u306b\u8208\u5473\u3092\u6301\u3061\u59cb\u3081\u305f\u3068\u304d\u3001\u591a\u304f\u306e\u500b\u4eba\u6295\u8cc7\u5bb6\u304c\u6700\u521d\u306b\u5019\u88dc\u306b\u6319\u3052\u308b\u306e\u304c\u3053\u306e2\u793e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u4e09\u83f1UFJ\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30b0\u30eb\u30fc\u30d7\uff08\u4ee5\u4e0b\u3001\u4e09\u83f1UFJ\uff09\u3068\u3086\u3046\u3061\u3087\u9280\u884c\u3002\u3069\u3061\u3089\u3082\u65e5\u672c\u3092\u4ee3\u8868\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u3067\u3059\u304c\u3001\u5b9f\u969b\u306bNISA\u53e3\u5ea7\u3067\u8cfc\u5165\u3092\u691c\u8a0e\u3059\u308b\u3068\u300c\u3069\u3063\u3061\u3092\u9078\u3079\u3070\u3044\u3044\u3093\u3060\u308d\u3046\u300d\u3068\u8ff7\u3046\u3093\u3067\u3059\u3088\u306d\u3002<\/p>\n<p>\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001\u914d\u5f53\u5229\u56de\u308a\u30fbPBR\u30fb\u91d1\u5229\u611f\u5fdc\u5ea6\u3068\u3044\u30463\u3064\u306e\u8ef8\u30672\u793e\u3092\u6bd4\u8f03\u3057\u306a\u304c\u3089\u3001\u79c1\u81ea\u8eab\u306e\u8cfc\u5165\u5224\u65ad\u30d7\u30ed\u30bb\u30b9\u3082\u6b63\u76f4\u306b\u304a\u4f1d\u3048\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"%E3%81%93%E3%81%AE%E8%A8%98%E4%BA%8B%E3%81%A7%E6%AF%94%E8%BC%83%E3%81%99%E3%82%8B%E3%82%B5%E3%83%BC%E3%83%93%E3%82%B9\"><\/span>\u3053\u306e\u8a18\u4e8b\u3067\u6bd4\u8f03\u3059\u308b\u30b5\u30fc\u30d3\u30b9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"%E4%B8%89%E8%8F%B1UFJ%E3%83%95%E3%82%A3%E3%83%8A%E3%83%B3%E3%82%B7%E3%83%A3%E3%83%AB%E3%83%BB%E3%82%B0%E3%83%AB%E3%83%BC%E3%83%97%EF%BC%888306%EF%BC%89\"><\/span>\u4e09\u83f1UFJ\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30b0\u30eb\u30fc\u30d7\uff088306\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u65e5\u672c\u6700\u5927\u306e\u30e1\u30ac\u30d0\u30f3\u30af\u30b0\u30eb\u30fc\u30d7\u3067\u3059\u3002\u56fd\u5185\u30ea\u30c6\u30fc\u30eb\u30fb\u6cd5\u4eba\u5411\u3051\u878d\u8cc7\u306b\u3068\u3069\u307e\u3089\u305a\u3001\u6d77\u5916\u4e8b\u696d\u306e\u6bd4\u7387\u304c\u9ad8\u304f\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u91d1\u5229\u74b0\u5883\u306e\u5f71\u97ff\u3092\u53d7\u3051\u3084\u3059\u3044\u69cb\u9020\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u6642\u4fa1\u7dcf\u984d\u306f\u56fd\u5185\u91d1\u878d\u682a\u306e\u306a\u304b\u3067\u3082\u5727\u5012\u7684\u306a\u30c8\u30c3\u30d7\u30af\u30e9\u30b9\u3067\u3001\u6a5f\u95a2\u6295\u8cc7\u5bb6\u30fb\u500b\u4eba\u6295\u8cc7\u5bb6\u3068\u3082\u306b\u58f2\u8cb7\u304c\u6d3b\u767a\u306a\u9298\u67c4\u3068\u8a00\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<h3><span class=\"ez-toc-section\" 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class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"overflow-x:auto;margin:20px 0\">\n<p style=\"font-size:14px;font-weight:700;color:#161d2b;margin:0 0 8px\">\u30b5\u30fc\u30d3\u30b9\u6bd4\u8f03<\/p>\n<table style=\"width:100%;border-collapse:collapse;font-family:sans-serif\">\n<thead>\n<tr>\n<th style=\"background:#1a3a2a;color:#fff;padding:8px 12px;text-align:left;font-size:13px;font-weight:600;white-space:nowrap\">\u9805\u76ee<\/th>\n<th style=\"background:#1a3a2a;color:#fff;padding:8px 12px;text-align:left;font-size:13px;font-weight:600;white-space:nowrap\">\u4e09\u83f1UFJ\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30b0\u30eb\u30fc\u30d7\uff088306\uff09<\/th>\n<th style=\"background:#1a3a2a;color:#fff;padding:8px 12px;text-align:left;font-size:13px;font-weight:600;white-space:nowrap\">\u3086\u3046\u3061\u3087\u9280\u884c\uff087182\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8faf9\">\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u4e8b\u696d\u306e\u7279\u5fb4<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u56fd\u5185\u30ea\u30c6\u30fc\u30eb\u30fb\u6cd5\u4eba\u5411\u3051\u878d\u8cc7\uff0b\u6d77\u5916\u4e8b\u696d\u6bd4\u7387\u304c\u9ad8\u3044<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u90f5\u653f\u30b0\u30eb\u30fc\u30d7\u5098\u4e0b\u30fb\u8cc7\u91d1\u904b\u7528\u306e\u591a\u304f\u3092\u56fd\u5185\u5916\u50b5\u5238\u306b\u4f9d\u5b58<\/td>\n<\/tr>\n<tr style=\"background:#fff\">\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u91d1\u5229\u611f\u5fdc\u5ea6<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u91d1\u5229\u4e0a\u6607\u3067\u53ce\u76ca\u6539\u5584\u3057\u3084\u3059\u3044\uff08\u878d\u8cc7\u6b8b\u9ad8\u304c\u5927\u304d\u3044\uff09<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u91d1\u5229\u4e0a\u6607\u3067\u4fdd\u6709\u50b5\u5238\u306e\u542b\u307f\u640d\u304c\u81a8\u3089\u3080\u30ea\u30b9\u30af\u3042\u308a<\/td>\n<\/tr>\n<tr style=\"background:#f8faf9\">\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">PBR<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u9577\u3089\u304f1\u500d\u5272\u308c\u304b\u3089\u6539\u5584\u50be\u5411<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">1\u500d\u524d\u5f8c\u3067\u63a8\u79fb\uff08ROE\u304c\u76f8\u5bfe\u7684\u306b\u4f4e\u3044\u50be\u5411\uff09<\/td>\n<\/tr>\n<tr style=\"background:#fff\">\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u914d\u5f53<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u904e\u53bb\u6570\u5e74\u306b\u308f\u305f\u3063\u3066\u5897\u914d\u5b9f\u7e3e\u3042\u308a\u30fb\u9ad8\u6c34\u6e96\u304c\u7d9a\u304f\u5370\u8c61<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u6c34\u6e96\u3068\u3057\u3066\u60aa\u304f\u306a\u3044\u6642\u671f\u3082\u3042\u308b\u304c\u682a\u4fa1\u306e\u4f38\u3073\u304c\u9650\u5b9a\u7684\u3068\u306e\u898b\u65b9\u3082<\/td>\n<\/tr>\n<tr style=\"background:#f8faf9\">\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u30ea\u30b9\u30af<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u6d77\u5916\u91d1\u5229\u30fb\u30b0\u30ed\u30fc\u30d0\u30eb\u7d4c\u6e08\u74b0\u5883\u306e\u5f71\u97ff\u3092\u53d7\u3051\u3084\u3059\u3044<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u56fd\u50b5\u30fb\u5916\u56fd\u50b5\u306e\u904b\u7528\u74b0\u5883\u306b\u5927\u304d\u304f\u4f9d\u5b58\u30fb\u91d1\u5229\u4e0a\u6607\u30fb\u5186\u9ad8\u30fb\u6d77\u5916\u91d1\u5229\u4f4e\u4e0b\u304c\u91cd\u306a\u308b\u3068\u53ce\u76ca\u5727\u8feb\u306e\u53ef\u80fd\u6027<\/td>\n<\/tr>\n<tr style=\"background:#fff\">\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">NISA\u9577\u671f\u4fdd\u6709\u9069\u6027<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u91d1\u5229\u4e0a\u6607\u5c40\u9762\u3067\u306e\u6069\u6075\u30fb\u6210\u9577\u671f\u5f85\u304c\u6301\u3061\u3084\u3059\u3044<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u5b89\u5b9a\u914d\u5f53\u76ee\u7dda\u3067\u306f\u5019\u88dc\u306b\u306a\u308a\u5f97\u308b\u304c\u904b\u7528\u74b0\u5883\u5909\u5316\u306b\u6ce8\u610f<\/td>\n<\/tr>\n<tr style=\"background:#f8faf9\">\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">\u7dcf\u5408\u8a55\u4fa1\uff08\u7b46\u8005\uff09<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">1\u4f4d\uff08\u512a\u5148\u5ea6\u9ad8\uff09<\/td>\n<td style=\"padding:7px 12px;font-size:13px;color:#2b3a52;border-bottom:1px solid #e5eae6\">2\u4f4d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"%E5%90%84%E9%8A%98%E6%9F%84%E3%81%AE%E8%A9%B3%E7%B4%B0%E8%A7%A3%E8%AA%AC\"><\/span>\u5404\u9298\u67c4\u306e\u8a73\u7d30\u89e3\u8aac<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1%E4%BD%8D%EF%BC%9A%E4%B8%89%E8%8F%B1UFJ%E3%83%95%E3%82%A3%E3%83%8A%E3%83%B3%E3%82%B7%E3%83%A3%E3%83%AB%E3%83%BB%E3%82%B0%E3%83%AB%E3%83%BC%E3%83%97\"><\/span>1\u4f4d\uff1a\u4e09\u83f1UFJ\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30b0\u30eb\u30fc\u30d7<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u91d1\u5229\u4e0a\u6607\u5c40\u9762\u306b\u304a\u3051\u308b\u300c\u53ce\u76ca\u76f4\u7d50\u578b\u300d\u3068\u3057\u3066\u3001\u79c1\u304c\u6700\u7d42\u7684\u306b\u512a\u5148\u5ea6\u3092\u9ad8\u304f\u7f6e\u3044\u305f\u306e\u304c\u4e09\u83f1UFJ\u3067\u3059\u3002<\/p>\n<p>\u65e5\u9280\u306e\u91d1\u878d\u653f\u7b56\u304c\u6b63\u5e38\u5316\u3078\u5411\u304b\u3046\u65b9\u5411\u6027\u304c\u898b\u3048\u3066\u304d\u305f2025\u5e74\u4ee5\u964d\u3001\u56fd\u5185\u306e\u8cb8\u51fa\u91d1\u5229\u304c\u6539\u5584\u3057\u3084\u3059\u3044\u74b0\u5883\u304c\u6574\u3044\u3064\u3064\u3042\u308b\u3068\u8003\u3048\u3089\u308c\u307e\u3059\u3002\u4e09\u83f1UFJ\u306f\u56fd\u5185\u5916\u3078\u306e\u878d\u8cc7\u6b8b\u9ad8\u304c\u5927\u304d\u304f\u3001<mark style=\"background:#fff176;padding:1px 4px;border-radius:2px;font-style:normal\">\u91d1\u5229\u4e0a\u6607\u306e\u6069\u6075\u3092\u53d7\u3051\u3084\u3059\u3044\u53ce\u76ca\u69cb\u9020<\/mark>\u3092\u6301\u3063\u3066\u3044\u308b\u70b9\u304c\u9b45\u529b\u306b\u611f\u3058\u307e\u3057\u305f\u3002<\/p>\n<p>PBR\u306b\u3064\u3044\u3066\u3082\u3001\u9577\u3089\u304f1\u500d\u5272\u308c\u304c\u7d9a\u3044\u3066\u3044\u305f\u72b6\u614b\u304b\u3089\u6539\u5584\u50be\u5411\u304c\u7d9a\u3044\u3066\u304a\u308a\u3001\u300c\u5272\u5b89\u304b\u3089\u306e\u4fee\u6b63\u4f59\u5730\u304c\u3042\u308b\u300d\u3068\u3044\u3046\u898b\u65b9\u3082\u3067\u304d\u307e\u3059\uff08\u305f\u3060\u3057\u3053\u308c\u306f\u78ba\u5b9a\u3057\u305f\u8a71\u3067\u306f\u306a\u304f\u3001\u4eca\u5f8c\u306e\u53ce\u76ca\u6b21\u7b2c\u3067\u3059\uff09\u3002<\/p>\n<p>\u914d\u5f53\u306b\u3064\u3044\u3066\u306f\u3001\u904e\u53bb\u6570\u5e74\u306b\u308f\u305f\u3063\u3066\u5897\u914d\u3092\u7d9a\u3051\u3066\u304d\u305f\u5b9f\u7e3e\u304c\u3042\u308a\u307e\u3059\u30022026\u5e74\u6642\u70b9\u3067\u306e\u914d\u5f53\u5229\u56de\u308a\u306f\u516c\u5f0f\u60c5\u5831\u3092\u5fc5\u305a\u78ba\u8a8d\u3044\u305f\u3060\u304d\u305f\u3044\u3067\u3059\u304c\u3001\u9ad8\u6c34\u6e96\u304c\u7d9a\u3044\u3066\u3044\u308b\u5370\u8c61\u3067\u3059\u3002<\/p>\n<p><div style=\"background:#fffbeb;border:2px solid #f6c90e;border-radius:12px;padding:14px 18px;margin:20px 0;font-style:italic\">\u6b63\u76f4\u306a\u3068\u3053\u308d\u3001\u682a\u4fa1\u304c\u3059\u3067\u306b\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u6607\u3057\u305f\u5f8c\u306b\u8cb7\u3046\u5f62\u306b\u306a\u3063\u305f\u306e\u3067\u300c\u4e57\u308a\u9045\u308c\u305f\u611f\u300d\u306f\u3042\u308a\u307e\u3057\u305f\u3002\u305f\u3060\u3001\u9577\u671f\u4fdd\u6709\u524d\u63d0\u306eNISA\u3067\u306f\u300c\u4eca\u304c\u6700\u5b89\u5024\u304b\u3069\u3046\u304b\u300d\u3088\u308a\u300c\u914d\u5f53\u3092\u53d7\u3051\u53d6\u308a\u7d9a\u3051\u3089\u308c\u308b\u304b\u300d\u306e\u65b9\u304c\u81ea\u5206\u306b\u306f\u91cd\u8981\u3060\u3068\u611f\u3058\u3066\u3044\u307e\u3059\u3002<\/div>\n<\/p>\n<p><div style=\"border-left:4px solid #3182ce;background:#ebf8ff;padding:14px 18px;margin:20px 0;border-radius:0 8px 8px 0\">\u4e09\u83f1UFJ\u306e\u30dd\u30a4\u30f3\u30c8\u307e\u3068\u3081<\/p>\n<ul>\n<li>\u91d1\u5229\u4e0a\u6607\u5c40\u9762\u3067\u306e\u53ce\u76ca\u6539\u5584\u671f\u5f85\u304c\u6301\u3061\u3084\u3059\u3044<\/li>\n<li>\u6d77\u5916\u4e8b\u696d\u306e\u53ce\u76ca\u591a\u69d8\u5316\u3067\u30ea\u30b9\u30af\u5206\u6563\u306e\u52b9\u679c\u304c\u898b\u8fbc\u307e\u308c\u308b<\/li>\n<li>\u5897\u914d\u5b9f\u7e3e\u304c\u3042\u308a\u3001\u9577\u671f\u4fdd\u6709\u306e\u914d\u5f53\u53ce\u5165\u76ee\u7dda\u3067\u8a55\u4fa1\u3057\u3084\u3059\u3044<\/div>\n<\/li>\n<\/ul>\n<hr>\n<h3><span class=\"ez-toc-section\" id=\"2%E4%BD%8D%EF%BC%9A%E3%82%86%E3%81%86%E3%81%A1%E3%82%87%E9%8A%80%E8%A1%8C\"><\/span>2\u4f4d\uff1a\u3086\u3046\u3061\u3087\u9280\u884c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u3086\u3046\u3061\u3087\u9280\u884c\u306e\u6700\u5927\u306e\u7279\u5fb4\u306f\u3001<mark style=\"background:#fff176;padding:1px 4px;border-radius:2px;font-style:normal\">\u305d\u306e\u904b\u7528\u8cc7\u7523\u306e\u5de8\u5927\u3055\u3068\u5b89\u5b9a\u611f<\/mark>\u3067\u3059\u3002\u90f5\u653f\u30b0\u30eb\u30fc\u30d7\u306e\u4fe1\u7528\u529b\u3068\u3001\u5168\u56fd\u306b\u5f35\u308a\u5de1\u3089\u3055\u308c\u305f\u7db2\u7f85\u7684\u306a\u9867\u5ba2\u57fa\u76e4\u306f\u552f\u4e00\u7121\u4e8c\u3068\u8a00\u3048\u307e\u3059\u3002<\/p>\n<p>\u305f\u3060\u3001\u6b63\u76f4\u3053\u3053\u306f\u4e0d\u6e80\u3067\u3057\u305f\u3002\u904b\u7528\u8cc7\u7523\u306e\u5927\u534a\u304c\u56fd\u5185\u5916\u306e\u50b5\u5238\u3067\u69cb\u6210\u3055\u308c\u3066\u3044\u308b\u305f\u3081\u3001\u91d1\u5229\u4e0a\u6607\u5c40\u9762\u3067\u306f\u300c\u6301\u3063\u3066\u3044\u308b\u50b5\u5238\u306e\u542b\u307f\u640d\u300d\u304c\u81a8\u3089\u3080\u30ea\u30b9\u30af\u304c\u3042\u308a\u307e\u3059\u3002\u8cb8\u51fa\u3067\u91d1\u5229\u4e0a\u6607\u306e\u6069\u6075\u3092\u53d7\u3051\u308b\u4e09\u83f1UFJ\u3068\u6bd4\u3079\u308b\u3068\u3001\u91d1\u5229\u611f\u5fdc\u5ea6\u306e\u65b9\u5411\u6027\u304c\u7570\u306a\u308b\u3093\u3067\u3059\u3088\u306d\u3002<\/p>\n<div style=\"display:flex;flex-direction:row;align-items:flex-start;gap:10px;margin:18px 0\">\n<div style=\"flex-shrink:0;display:flex;flex-direction:column;align-items:center;gap:2px;width:52px\">\n<div style=\"width:48px;height:48px;border-radius:50%;background:#eef2f7;border:2px solid #cbd5e0;display:flex;align-items:center;justify-content:center;font-size:24px\">\ud83e\udd14<\/div>\n<p>    <span style=\"font-size:10px;color:#718096\">\u8aad\u8005<\/span>\n  <\/div>\n<div style=\"max-width:78%;background:#f7fafc;border:1px solid #cbd5e0;border-radius:12px;padding:11px 15px;font-size:15px;line-height:1.7\">\u3086\u3046\u3061\u3087\u9280\u884c\u3063\u3066\u5b89\u5168\u305d\u3046\u3060\u3057\u3001\u914d\u5f53\u3082\u60aa\u304f\u306a\u3044\u30a4\u30e1\u30fc\u30b8\u304c\u3042\u308b\u3093\u3067\u3059\u304c\u2026\u2026<\/div>\n<\/div>\n<div style=\"display:flex;flex-direction:row-reverse;align-items:flex-start;gap:10px;margin:18px 0\">\n<div style=\"flex-shrink:0;display:flex;flex-direction:column;align-items:center;gap:2px;width:52px\">\n<div style=\"width:48px;height:48px;border-radius:50%;background:#e6f6f2;border:2px solid #9fd9cc;display:flex;align-items:center;justify-content:center;font-size:24px\">\ud83d\ude0a<\/div>\n<p>    <span style=\"font-size:10px;color:#718096\">\u30ab\u30ef\u30b3\u30a4\u30f3<\/span>\n  <\/div>\n<div style=\"max-width:78%;background:#effaf6;border:1px solid #9fd9cc;border-radius:12px;padding:11px 15px;font-size:15px;line-height:1.7\">\u914d\u5f53\u5229\u56de\u308a\u81ea\u4f53\u306f\u6c34\u6e96\u3068\u3057\u3066\u60aa\u304f\u306a\u3044\u6642\u671f\u3082\u3042\u308a\u307e\u3059\u3002\u305f\u3060\u3001\u300c\u306a\u305c\u5229\u56de\u308a\u304c\u9ad8\u3044\u304b\u300d\u3092\u8003\u3048\u308b\u3068\u3001\u6210\u9577\u671f\u5f85\u3088\u308a\u3082\u682a\u4fa1\u306e\u4f38\u3073\u304c\u9650\u5b9a\u7684\u3068\u3044\u3046\u898b\u65b9\u3092\u3055\u308c\u3066\u3044\u308b\u5074\u9762\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u5b89\u5b9a\u914d\u5f53\u3092\u53d7\u3051\u53d6\u308b\u76ee\u7684\u306a\u3089\u5019\u88dc\u306b\u5165\u308a\u307e\u3059\u304c\u3001\u91d1\u5229\u4e0a\u6607\u306e\u8ffd\u3044\u98a8\u3092\u53d7\u3051\u305f\u3044\u5834\u5408\u306f\u4e09\u83f1UFJ\u306e\u65b9\u304c\u69cb\u9020\u7684\u306b\u30d5\u30a3\u30c3\u30c8\u3057\u3084\u3059\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/div>\n<\/div>\n<p>PBR\u306b\u3064\u3044\u3066\u306f\u3001\u4e09\u83f1UFJ\u3068\u540c\u69d8\u306b1\u500d\u524d\u5f8c\u3067\u306e\u63a8\u79fb\u304c\u7d9a\u3044\u3066\u3044\u308b\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u682a\u4e3b\u8cc7\u672c\u5229\u76ca\u7387\uff08ROE\uff09\u306e\u6c34\u6e96\u304c\u76f8\u5bfe\u7684\u306b\u4f4e\u3044\u50be\u5411\u304c\u3042\u308a\u3001\u300c\u8cc7\u672c\u52b9\u7387\u306e\u6539\u5584\u4f59\u5730\u300d\u3068\u3044\u3046\u89b3\u70b9\u3067\u306e\u8a55\u4fa1\u306f\u614e\u91cd\u306b\u898b\u308b\u5fc5\u8981\u304c\u3042\u308b\u3068\u611f\u3058\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><div style=\"border:2px solid #feb2b2;background:#fff5f5;padding:14px 18px;margin:20px 0;border-radius:8px\">\u6ce8\u610f\u70b9\uff1a\u3086\u3046\u3061\u3087\u9280\u884c\u306e\u53ce\u76ca\u306f\u56fd\u50b5\u30fb\u5916\u56fd\u50b5\u306e\u904b\u7528\u74b0\u5883\u306b\u5927\u304d\u304f\u4f9d\u5b58\u3057\u3066\u3044\u307e\u3059\u3002\u91d1\u5229\u4e0a\u6607\u30fb\u5186\u9ad8\u30fb\u6d77\u5916\u91d1\u5229\u4f4e\u4e0b\u304c\u91cd\u306a\u308b\u30b7\u30ca\u30ea\u30aa\u3067\u306f\u3001\u904b\u7528\u53ce\u76ca\u304c\u5727\u8feb\u3055\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/div>\n<\/p>\n<hr>\n<h2><span class=\"ez-toc-section\" id=\"%E9%81%B8%E3%81%B3%E6%96%B9%E3%81%AE%E3%83%9D%E3%82%A4%E3%83%B3%E3%83%88\"><\/span>\u9078\u3073\u65b9\u306e\u30dd\u30a4\u30f3\u30c8<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u307e\u305a\u8003\u3048\u3066\u307f\u3066\u307b\u3057\u3044\u306e\u304c\u3001\u300c\u5024\u4e0a\u304c\u308a\u76ca\uff08\u30ad\u30e3\u30d4\u30bf\u30eb\u30b2\u30a4\u30f3\uff09\u3082\u72d9\u3044\u305f\u3044\u304b\u3001\u914d\u5f53\uff08\u30a4\u30f3\u30ab\u30e0\u30b2\u30a4\u30f3\uff09\u3060\u3051\u3082\u3089\u3048\u308c\u3070\u5341\u5206\u304b\u300d\u3068\u3044\u3046\u70b9\u3067\u3059\u3002\u4e09\u83f1UFJ\u306f\u30b0\u30ed\u30fc\u30d0\u30eb\u306b\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u308b\u3076\u3093\u3001\u91d1\u5229\u4e0a\u6607\u5c40\u9762\u3067\u306e\u696d\u7e3e\u62e1\u5927\u3092\u901a\u3058\u305f\u682a\u4fa1\u306e\u4e0a\u6607\u3082\u671f\u5f85\u3057\u3084\u3059\u3044\u9298\u67c4\u3068\u3044\u3048\u307e\u3059\u3002\u4e00\u65b9\u3001\u3086\u3046\u3061\u3087\u9280\u884c\u306f\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u306e\u7279\u6027\u4e0a\u3001\u6025\u6fc0\u306a\u6210\u9577\u306f\u898b\u8fbc\u307f\u306b\u304f\u3044\u3082\u306e\u306e\u3001\u5168\u56fd\u898f\u6a21\u306e\u9867\u5ba2\u57fa\u76e4\u3092\u80cc\u666f\u306b\u5b89\u5b9a\u3057\u305f\u914d\u5f53\u3092\u53d7\u3051\u53d6\u308a\u7d9a\u3051\u308b\u3053\u3068\u3092\u91cd\u8996\u3059\u308b\u65b9\u306b\u5411\u3044\u3066\u3044\u308b\u3068\u3044\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u3069\u3061\u3089\u3092\u9078\u3076\u304b\u306f\u3001\u7d50\u5c40\u300c\u4f55\u3092\u76ee\u7684\u306b\u9280\u884c\u682a\u3092\u6301\u3064\u304b\u300d\u306b\u3088\u3063\u3066\u5909\u308f\u3063\u3066\u304f\u308b\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><strong>\u91d1\u5229\u4e0a\u6607\u306e\u6069\u6075\u3092\u4eab\u53d7\u3057\u305f\u3044\u30fb\u6210\u9577\u4f59\u5730\u3092\u671f\u5f85\u3057\u305f\u3044<\/strong>\u306a\u3089\u3001\u4e09\u83f1UFJ\u306e\u65b9\u304c\u69cb\u9020\u7684\u306b\u30de\u30c3\u30c1\u3057\u3084\u3059\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p><strong>\u3068\u306b\u304b\u304f\u5b89\u5b9a\u3057\u305f\u914d\u5f53\u3092\u53d7\u3051\u53d6\u308a\u305f\u3044\u30fb\u5927\u304d\u306a\u5909\u52d5\u3092\u907f\u3051\u305f\u3044<\/strong>\u3068\u3044\u3046\u65b9\u306f\u3001\u3086\u3046\u3061\u3087\u9280\u884c\u3082\u9078\u629e\u80a2\u306b\u306a\u308a\u5f97\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u904b\u7528\u74b0\u5883\u306e\u5909\u5316\u306b\u306f\u5f15\u304d\u7d9a\u304d\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<div style=\"display:flex;flex-direction:row;align-items:flex-start;gap:10px;margin:18px 0\">\n<div style=\"flex-shrink:0;display:flex;flex-direction:column;align-items:center;gap:2px;width:52px\">\n<div style=\"width:48px;height:48px;border-radius:50%;background:#eef2f7;border:2px solid #cbd5e0;display:flex;align-items:center;justify-content:center;font-size:24px\">\ud83e\udd14<\/div>\n<p>    <span style=\"font-size:10px;color:#718096\">\u8aad\u8005<\/span>\n  <\/div>\n<div style=\"max-width:78%;background:#f7fafc;border:1px solid #cbd5e0;border-radius:12px;padding:11px 15px;font-size:15px;line-height:1.7\">NISA\u3067\u9280\u884c\u682a\u3092\u8cb7\u3046\u3068\u304d\u3001\u3069\u3063\u3061\u304b1\u793e\u306b\u7d5e\u3089\u306a\u304d\u3083\u3044\u3051\u306a\u3044\u3067\u3059\u304b\uff1f<\/div>\n<\/div>\n<div style=\"display:flex;flex-direction:row-reverse;align-items:flex-start;gap:10px;margin:18px 0\">\n<div style=\"flex-shrink:0;display:flex;flex-direction:column;align-items:center;gap:2px;width:52px\">\n<div style=\"width:48px;height:48px;border-radius:50%;background:#e6f6f2;border:2px solid #9fd9cc;display:flex;align-items:center;justify-content:center;font-size:24px\">\ud83d\ude0a<\/div>\n<p>    <span style=\"font-size:10px;color:#718096\">\u30ab\u30ef\u30b3\u30a4\u30f3<\/span>\n  <\/div>\n<div style=\"max-width:78%;background:#effaf6;border:1px solid #9fd9cc;border-radius:12px;padding:11px 15px;font-size:15px;line-height:1.7\">\u7d5e\u308b\u5fc5\u8981\u306f\u306a\u3044\u3067\u3059\u3088\u3002\u79c1\u81ea\u8eab\u306f\u300c\u30e1\u30a4\u30f3\u3092\u3069\u3061\u3089\u306b\u3059\u308b\u304b\u300d\u3092\u8003\u3048\u305f\u3046\u3048\u3067\u30012\u793e\u306e\u6027\u683c\u306e\u9055\u3044\u3092\u8a8d\u8b58\u3057\u306a\u304c\u3089\u7d44\u307f\u5408\u308f\u305b\u308b\u65b9\u6cd5\u3082\u3042\u308b\u3068\u611f\u3058\u3066\u3044\u307e\u3059\u3002\u305f\u3060\u3057\u3001NISA\u6210\u9577\u6295\u8cc7\u67a0\u306b\u306f\u5e74\u9593\u306e\u4e0a\u9650\u304c\u3042\u308b\u306e\u3067\uff082026\u5e74\u6642\u70b9\u3067240\u4e07\u5186\u304c\u4e0a\u9650\u306e\u65bd\u884c\u6e08\u307f\u30eb\u30fc\u30eb\uff09\u3001\u8cc7\u91d1\u914d\u5206\u306f\u614e\u91cd\u306b\u8003\u3048\u305f\u3044\u3067\u3059\u306d\u3002<\/div>\n<\/div>\n<div style=\"border:1px solid #c7b9e8;background:#f6f2fc;border-radius:12px;padding:14px 18px;margin:22px 0\">\n<div style=\"font-size:12px;font-weight:700;color:#6d28d9;margin-bottom:6px;letter-spacing:0.4px\">\ud83d\udca1 \u8003\u5bdf<\/div>\n<div style=\"font-size:15px;line-height:1.75;color:#2d2a3a\">\u5b9f\u52d9\u306e\u73fe\u5834\u3067\u3082\u611f\u3058\u308b\u306e\u3067\u3059\u304c\u3001\u300c\u9280\u884c\u682a\u306f\u5b89\u5b9a\u300d\u3068\u3044\u3046\u5148\u5165\u89b3\u306e\u307e\u307e\u8cb7\u3046\u306e\u304c\u4e00\u756a\u5371\u3046\u3044\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002\u4e09\u83f1UFJ\u3068\u3086\u3046\u3061\u3087\u9280\u884c\u306f\u540c\u3058\u300c\u9280\u884c\u682a\u300d\u3068\u3044\u3046\u62ec\u308a\u3067\u3082\u3001\u91d1\u5229\u611f\u5fdc\u5ea6\u306e\u65b9\u5411\u6027\u304c\u307b\u307c\u9006\u3068\u8a00\u3048\u308b\u307b\u3069\u7570\u306a\u308a\u307e\u3059\u3002\u65e5\u9280\u306e\u653f\u7b56\u5909\u66f4\u304c\u3042\u308b\u5c40\u9762\u3067\u306f\u3001\u3053\u306e2\u793e\u304c\u307e\u3063\u305f\u304f\u9055\u3046\u5024\u52d5\u304d\u3092\u3059\u308b\u53ef\u80fd\u6027\u3082\u3042\u308b\u306e\u3067\u3001\u300c\u306a\u305c\u305d\u306e\u9298\u67c4\u3092\u6301\u3064\u306e\u304b\u300d\u3092\u81ea\u5206\u306a\u308a\u306b\u8a00\u8a9e\u5316\u3057\u3066\u304b\u3089\u8cfc\u5165\u5224\u65ad\u3059\u308b\u306e\u304c\u3001\u9577\u7d9a\u304d\u3059\u308b\u6295\u8cc7\u306b\u3064\u306a\u304c\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/div>\n<\/div>\n<hr>\n<p>\u4eca\u304c\u9280\u884c\u682a\u3092\u8003\u3048\u3084\u3059\u3044\u30bf\u30a4\u30df\u30f3\u30b0\u306e\u4e00\u3064\u3068\u8a00\u3048\u308b\u306e\u306f\u3001\u91d1\u878d\u653f\u7b56\u306e\u6b63\u5e38\u5316\u3068\u3044\u3046\u5927\u304d\u306a\u6d41\u308c\u304c\u80cc\u666f\u306b\u3042\u308b\u304b\u3089\u3067\u3059\u3002\u305f\u3060\u3001\u9298\u67c4\u3092\u6c7a\u3081\u3066\u3082\u53e3\u5ea7\u304c\u306a\u3051\u308c\u3070\u8cb7\u3048\u307e\u305b\u3093\u3002<\/p>\n<p>\u53e3\u5ea7\u958b\u8a2d\u3060\u3051\u5148\u306b\u6e08\u307e\u305b\u3066\u304a\u3051\u3070\u3001\u5b9f\u969b\u306b\u8cb7\u3046\u30bf\u30a4\u30df\u30f3\u30b0\u306f\u3042\u3068\u304b\u3089\u81ea\u7531\u306b\u9078\u3079\u307e\u3059\u3002\u79c1\u304c\u9078\u3093\u3060\u306e\u306f\u624b\u6570\u6599\u4f53\u7cfb\u304c\u5206\u304b\u308a\u3084\u3059\u304f\u3001NISA\u53e3\u5ea7\u306e\u7ba1\u7406\u3082\u307e\u3068\u3081\u3066\u3067\u304d\u308b\u30cd\u30c3\u30c8\u8a3c\u5238\u3067\u3057\u305f\u3002<\/p>\n<p>\u6c17\u306b\u306a\u308b\u30b5\u30fc\u30d3\u30b9\u304c\u3042\u308c\u3070\u3001\u53e3\u5ea7\u958b\u8a2d\u306f\u7121\u6599\u3067\u3067\u304d\u307e\u3059\u306e\u3067\u3001\u307e\u305a\u516c\u5f0f\u30b5\u30a4\u30c8\u3067\u5185\u5bb9\u3092\u78ba\u8a8d\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<div style=\"max-width:480px;margin:36px auto;text-align:center;padding:0 16px;box-sizing:border-box\">\n<p style=\"font-size:12px;color:#888;margin:0 0 10px;letter-spacing:0.5px\">\uff3c \u7121\u6599\u30fb\u6700\u77ed5\u5206\u3067\u958b\u8a2d\u5b8c\u4e86 \uff0f<\/p>\n<p><a href=\"https:\/\/px.a8.net\/svt\/ejp?a8mat=45DXI8+B2WG36+3XCC+64C3M\" rel=\"nofollow sponsored\" style=\"display:block;background:linear-gradient(180deg,#f47a2a 0%,#db5010 100%);color:#fff;font-size:16px;font-weight:700;padding:18px 16px;border-radius:10px;text-decoration:none;letter-spacing:0.3px;box-shadow:0 4px 0 #963408,0 6px 16px rgba(0,0,0,.18);line-height:1.4;-webkit-tap-highlight-color:transparent\">\u677e\u4e95\u8a3c\u5238\u306e\u53e3\u5ea7\u3092\u7121\u6599\u3067\u958b\u8a2d\u3059\u308b \u25b6<\/a><\/p>\n<p style=\"font-size:11px;color:#bbb;margin:10px 0 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